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From preschool to high school, our youth club accounts help kids of all ages learn the value of saving.

Key Features

  • Competitive Dividends
  • Rewards for Deposits
  • No Monthly Service Charges
  • No Minimum Balance Requirements
  • Available to young savers from 2–12 years old
  • Competitive dividends on entire balance
  • No monthly service charges
  • No minimum balance requirements
  • Earn Birdie Bucks for prizes, including toys, games, puzzles, and more
    • Earn 1 Birdie Buck for every $10 deposit
  • Receive a welcome gift when you open your account
  • Get a birthday postcard — good for a gift or $5 in Birdie Bucks
  • Free unlimited coin counts
  • Join us in celebrating National Credit Union Youth Month every April
  • Automatic enrollment in our Team Varsity Club on your 13th birthday
  • Free digital banking
  • $5 minimum deposit to open
  • Available to teens from 13–18 years old
  • Competitive dividends on entire balance
  • No monthly service charges
  • No minimum balance requirements
  • Free unlimited coin counts
  • Receive a welcome $5 gift card when you open your account
  • Student Account Reward Card available
    • Earn stamps on your reward card based on the amount of money you save
    • Once your card is full, redeem it for a $5 gift card
  • Watch for fun & free financial workshops throughout the year
  • Use student-run credit union branches located in two local high schools
  • Graduating high school students may apply for a $500 scholarship
  • Open a HarborLight checking account1
  • Free digital banking
  • Free Mastercard® debit card2
  • Nationwide surcharge-free ATMs via the CO-OP network
  • $5 minimum deposit to open

Reward Card Stamps 

Amount Deposited Stamps Earned
$25 – $99 1 Stamp
$100 – $199 2 Stamps
$200+ 3 Stamps

1Must be 14 years old to open a checking account.

2At 16 years old, members are eligible to apply for a debit MasterCard®. To qualify, a parent must be joint on the checking account. At 17 years old, members are eligible to apply for a debit Mastercard without a parent.

Lighting the way to financial well-being

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Member Benefits

This is how we pay it forward — awesome benefits that make banking better.

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